Business & Finance - 24 November 2007

My husband and I are purchasing our 2nd home for $165,000. We can put $7,000 toward the down payment from the sale of our first house. To get 5% down on the new house would be $8,250. This would be fine, because we have over $3000 in the bank after paying this month's bills, and only need to use $1250 of it.

However, our bank will not allow us to to use the $3000 that we have (from recent paychecks) because it hasn't been sitting in the bank for 2 months!!! So they are requiring us to get 100% financing.

Is this _as ridiculous as it seems_, or are there other banks which would allow us to use the money we have earned at our jobs - which we can prove with our paystubs!!!

We don't have the luxury of sitting around and waiting for 2 months to prove ourselves to the bank (because I have been transferred with my job). And the 100% financing is a bad deal as far as interest rates and the extreme pickiness of the underwriters on every possible issue.

Should we try another bank?

2007-11-24 13:57:02 · 9 answers · asked by jenatasha 2 in Renting & Real Estate

2007-11-24 13:51:34 · 4 answers · asked by Debbie 4 in Personal Finance

Truth of the matter is this. I found a couple people that are selling videos (DVD's, VHS) and things like that. Both of these people have a lot of things I would like to buy, but I don't have the money to put out at this moment. I am a graphic/web designer and that's where this thought comes in.

Let me first explain these websites. The first website was posted by a guy who is offering copies of videos in his collection to other people who share the same interests as him. His site is very plain jane...one page, text only. The next guy doesn't even have a website. I found him on a "classifieds" site and to get a listing of all his stuff, I need to email him. It seems like It's almost an ebay store kind of thing.

Is it completely inappropriate to ask these people if I could design websites for them in exchange for certain videos in their collection? In otherwords, my "payment" would be receiving these videos instead of money.

Need honest opinions so I don't make a fool of myself

2007-11-24 13:48:51 · 3 answers · asked by Satnin 5 in Other - Business & Finance

I come across many and many so called Gurus out there trying to teach how to trade.
As we know we have unlimited access to the Internet but limited time to view every single page.
Right now I am having a tough time to review who has the correct path to learn how to trade stock in the fastest and precise way.
Your contribution will help me tremendously. Thank you in advance

2007-11-24 13:47:35 · 7 answers · asked by Anonymous in Investing

I currently know next to nothing about starting a non-profit organization, but have a great venture that easily falls within those parameters.

What I need to know is the best way to get started.... and any other useful info. ....

THANK YOU !!!!

2007-11-24 13:35:06 · 6 answers · asked by Luxifer 3 in Government & Non-Profit

I am a 24 year old male college student and I may try to get a part-time job to help pay for college expenses.
I have never had a job. I have no references. If I do try to get a job, I dread the interview because I can't think fast enough to answer "tricky" questions and don't want to feel dumb. I am also self conscious so I am afraid that the interviewer may think something like "he's 24, why hasn't he had a job yet".

Am I screwed? Do I have a chance at getting a job?

The type of job I am looking for is probably Starbucks, a school bookstore, etc.

2007-11-24 13:28:52 · 27 answers · asked by Anonymous in Other - Careers & Employment

2007-11-24 13:26:52 · 3 answers · asked by Anonymous in Other - Careers & Employment

I have three email applications to send to potential employers. Should I send my entire application as a single PDF file or as a single MS Word file? I have been told PDF is preferable as it can't be tampered with. However, with transcripts, the PDF is 16 MB. Word is only 9 MB.

Which would you choose?

2007-11-24 13:22:38 · 3 answers · asked by drusillaslittleboot 6 in Other - Careers & Employment

I want to open up a salon where I do makeup, chose clothes for people's bodies, do hair, etc. Am I allowed to open up a salon without professional experience and just my own personal experience?

2007-11-24 13:20:01 · 7 answers · asked by Helena 1 in Small Business

I was always curious but never really knew the difference...thanks.

2007-11-24 13:18:36 · 7 answers · asked by damacios_gurl_20 2 in Renting & Real Estate

2007-11-24 13:17:08 · 10 answers · asked by heybulldog 5 in Credit

We all need food and transportation.

2007-11-24 13:06:43 · 4 answers · asked by tevin 1 in Other - Advertising & Marketing

i have a capital loss of 500k, and i'll never be able to recoup it when i claim the 3k per year. what can i do?

2007-11-24 12:52:58 · 3 answers · asked by deege06 1 in Personal Finance

daily i recieve more than 10 mails regarding lottery winning notification of bmw,ford, microft award......and so on...offering me crores of rupees is it really true ? and as well as job offers for joining companies with lot of facilities and vry good salary without taking any interview personaly please guide me.

2007-11-24 12:45:13 · 2 answers · asked by KRISHNA S 1 in Other - Careers & Employment

I enjoy drawing home floorplans and drawing design schemes for the scale of some computer games in my spare time. I have been told that architects do this kind of thing in their work, but math is not my strong suit- writing is. Would I be right for that career, and if not, are there any others that relate to such a hobby? Thanks.

2007-11-24 12:44:14 · 2 answers · asked by mradrz4evr 2 in Other - Careers & Employment

Can someone please tell me about a scam free telemarketing job from home besides Alpine access and all this other crap.
I worked from home before so can someone provide me information on a scam free telemarketing job!!!

Thank You

2007-11-24 12:37:39 · 7 answers · asked by jodjo2001 1 in Small Business

Hello,

I am filling out a job application to work at Eat 'n Park. There is a section on the application that says Personal Refrences, Who would be considered as a personal reference? Secondly, there is a part called Previous Employment. The only "job" I've had is volunteering at my local hospital 3 days/week, and I'll continue to do this 1 day/wk, should I put this down under previous employment? (It asks for company name, Address, Phone, Job Title, Reason for Leaving, Supervisor's name, Duties, and starting/ending rate.)

2007-11-24 12:36:20 · 5 answers · asked by dlaw_2011 1 in Other - Careers & Employment

If i lie to my parents that im working doing late night shift but im really out partying. Is that a big risk of my job? Can i be cool with the manager if my parents call the workplace and tell him/her to lie to them? What if i even ask him about lying? REALLY BIG HELP, THANKS :)

2007-11-24 12:35:33 · 4 answers · asked by monster_anonymous 1 in Law & Legal

In short, for working 12-40 hours, do they deserve the equivalent take-home pay of almost a year of labor??? (assuming most people have a 30 year mortgage and pay about half to it each month...)

The labor is so overpriced, that no buyer in his right mind would pay 3% extra for a property for said "service", that's why it's mixed into the seller's price, so they get to lose.


C'mon, we all know this is a protected mafia racket that discriminates against and boycots FSBOs...don't you think people are going to wise up to this rip-off?

2007-11-24 12:31:09 · 12 answers · asked by SQD 2 in Renting & Real Estate

i don't want websites with links to other websites. i want a website that i can apply at FOR FREE to work from home and really get paid. anyone know of any?

2007-11-24 12:30:24 · 10 answers · asked by katayaniaromania 1 in Small Business

hi thanks for taking my question

I am a new landlord. I recently signed a lease with two roomates to rent out my co op apartment. I am not sure how my lease is going to work with roomates. What happens if one of the roommates decides to move out for example? Are there any other special consideration that i should keep in mind when dealing with roommates as a landlord? I'm a new landlord and i've never dealt with roommates.

2007-11-24 12:29:55 · 5 answers · asked by tom 1 in Renting & Real Estate

a. central rate
b. reserve rate
c. open market rate
d. discount rate

2007-11-24 12:22:35 · 3 answers · asked by Benjamin F 1 in Credit

I get paid by the hour, my company may allow me to hold my time for december until next year, but I am not sure if that is leagal.

I will also be taking the standard return, because I do not have enough to itemize my return

I am not sure what head of house means, or if I was correctly informed about the next tax bracket being 77,100. can anyone correct me if I have been misinformed

2007-11-24 12:21:32 · 6 answers · asked by lirette80 1 in United States

2007-11-24 12:20:45 · 17 answers · asked by Beast from the East 4 in Personal Finance

The state says I owe back taxes for childcare. Because they looked in 1 year and coould not find proof they basically said for the last 5 yrs I have to prove i paid childcare.

Well for the recent years, I have proof. But as far back at 3 yrs ago. The school has been bought and sold approx. 7 times (prviate school). I went to the school and the lady told me she didn't have record of my son going to school there. Even when I showed her his graduation certificate (pre-5 and Kind). I don't have the receipts from that long ago and don't know what to do.

Am I screwed? Please help!

2007-11-24 12:19:51 · 2 answers · asked by Anonymous in United States

as a debtor on his bankruptcy, of course I was a non-secured debt, so I will be the last to get paid. I received a letter today from the bankruptcy court of a notice of dismissal...what does that mean?

THANKS!

2007-11-24 12:18:01 · 9 answers · asked by Kim K 1 in Personal Finance

i dont own a home, i rent an apt, and citi and am general have turned me down. my credit is pretty bad.

2007-11-24 12:16:36 · 8 answers · asked by theman25 1 in Credit

I'm 13...Most places hire people my age,
I applied at
A&W
Tim Hortons
and im about to apply at the dollar store

Where else should I apply? I need a job REALLY bad, REALLY quick..

2007-11-24 12:11:17 · 10 answers · asked by Anonymous in Personal Finance

2007-11-24 12:09:46 · 4 answers · asked by Anonymous in Other - Business & Finance

2007-11-24 12:09:04 · 9 answers · asked by JaeMoney 1 in Personal Finance